Compare affordable final expense plans from 25+ top-rated carriers. Coverage $5K–$100K starting at just $17/month. No medical exam. Pre-existing conditions accepted.
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Final expense insurance - also called burial insurance or funeral insurance - is a small whole life policy built specifically to cover the costs your family faces when you pass away.
Unlike traditional life insurance, it's designed for seniors and those with health conditions. There's no medical exam, coverage is modest ($5,000–$100,000), and premiums are fixed for life - they can never increase.
When you pass, the insurer pays a tax-free death benefit directly to your beneficiary - cash, no restrictions. Funeral costs, medical bills, rent, credit cards - whatever your family needs most.
Because it uses simplified or guaranteed-issue underwriting, most seniors qualify even with diabetes, COPD, heart disease, or other serious conditions.
Never expires. As long as you pay premiums, you're covered for life - no renewals, no re-qualifying.
Most plans only require a few health questions. Guaranteed issue plans require none at all.
Your monthly rate is locked in at application and will never increase, even as you age or your health changes.
As a whole life policy, it accumulates cash value over time that you can borrow against if needed.
Beneficiaries receive the death benefit in cash - no receipts required, no restrictions on how it's spent.
Companies spend hundreds of millions on TV advertising each year. What they don't say can cost your family thousands of dollars.
TV-Advertised vs. What We Actually Find
No office visit. No medical exam. Most clients are covered the same day they apply.
Enter your age, coverage, and health status. We instantly compare 25+ carriers to find your best match.
→Review your options side-by-side - premiums, waiting periods, carrier ratings, and coverage details all shown clearly.
→Complete a short application online or with a licensed agent by phone. No exam, no paperwork hassle.
→Most applicants receive an instant decision. Policy documents arrive digitally, and policy mailed shortly.
Three types of final expense policies. The right one depends on your health and budget.
Updated April 2026 · 50-year-old female non-smoker · $5,000 coverage · All A-rated or better
| Carrier | Monthly Rate | Waiting Period | AM Best | Coverage Range | OpenCare Rating | Best For |
|---|---|---|---|---|---|---|
| Mutual of Omaha | $14/mo | ✓ None | A+ | $2K–$25K | ★★★★★ | Overall Best |
| Aetna | $15/mo | ✓ None | A | $5K–$25K | ★★★★½ | Ages 80–89 |
| Accendo | $15/mo | ✓ None | A | $5K–$25K | ★★★★½ | Aetna-backed value |
| Transamerica | $23/mo | ✓ None | A | $1K–$100K | ★★★★½ | High Coverage |
| Royal Arcanum | $16/mo | ✓ None | A | $5K–$25K | ★★★★ | Member Benefits |
| Globe Life | $18/mo | ✗ 2 Years | A | $5K–$25K | ★★★ | Awareness Only |
| American General | $21.94/mo | ✗ 2 Years | A | $5K–$25K | ★★★★ | 2-year GIWL guaranteed issue |
Estimated rates shown for a 50-year-old female non-smoker at $5,000 coverage. Actual rates vary by state, health, tobacco use, and carrier availability.
Most people don't know exactly how much to buy. This free calculator helps you estimate the right coverage amount based on your real expected costs - so you don't overpay or leave your family short.
Simply fill in your expected end-of-life expenses and we'll instantly calculate a recommended coverage amount.
💡 Important: The average American underestimates funeral costs by $3,000–$5,000 and forgets to account for medical bills, probate fees, and debts that fall to the family.
Enter your estimated costs below
Recommended coverage: $20,000 (rounded to nearest $5K)
Find Plans for This Coverage →Final expense typically costs $50–$100/month for $10,000 coverage for a 65-year-old. Five factors determine your exact rate:
Non-tobacco · Simplified issue · Mutual of Omaha estimates
Most seniors with health conditions can still get coverage. The key is finding the right carrier for your specific situation - and that's exactly what we do.
Not sure where you fall? Our licensed agents find coverage for thousands of seniors after being denied elsewhere.
📞 Talk to a Licensed Agent Free📞 Call 321-222-9443"I have Type 2 diabetes and was worried I couldn't get coverage anywhere. OpenCare Seniors found me a plan with no waiting period from Mutual of Omaha in less than 20 minutes. My daughter doesn't have to worry anymore."
"The agent compared 8 different carriers for me and explained every single difference. I ended up saving $34/month versus the plan I saw advertised on TV. I'm genuinely grateful for the honesty - they didn't push me toward the most expensive option."
"My husband passed last spring. The claim was paid within 48 hours - exactly when we needed it most. OpenCare Seniors held our hand through everything."
Michael has personally helped over 8,000 seniors find final expense coverage. Cited as an expert source by Forbes, Bloomberg, and CNBC. Licensed in all 50 states.
Former insurance underwriter turned consumer advocate. Sandra reviews every carrier comparison for accuracy and updates all rate tables monthly with real carrier quotes.
Specializes in coverage for seniors with pre-existing conditions. Has helped 3,000+ clients find coverage after being denied elsewhere, including COPD and heart failure cases.
Every article, rate comparison, and carrier review on OpenCareSeniors.com is written and fact-checked by our licensed insurance professionals using real carrier quote tools and live rate data. We are compensated by carriers when you purchase a policy, but this never influences our rankings. We frequently recommend carriers that pay us less because they're genuinely better for the client.
Every resource you need to make a confident, informed decision - written and verified by our licensed insurance professionals.
Answers to the most common questions from seniors and families shopping for burial insurance - answered honestly by licensed agents.
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